Quick advice for @Bates_MotelMT in JumboTweet form
For insurance I don't know if you have total replacement coverage or depreciated coverage, but if you have the former get ready to fight. The way the insurance company my father was covered by (Armed Forces Insurance on the building) paid out was to cut a check for depreciated goods (based on how old they were) then force you to front the extra money for new goods, then submit receipts to get the difference to equal 'total replacement value'.
Having learned this, I now know that I ought to either keep savings on hand (ha! Not happening with a person who is terminal and has ever mounting health care expenses.) or an unused credit card or line of credit to deal with that money I'd be out (temporarily if I have total replacement coverage, permanently if not).
If you are the grandparent or parent or child or grandchild of someone in the military (could be active duty or reserve but also could be a veteran) you should look into future insurance coverage with USAA.com
They are great to deal with, they covered my father's pickup truck that was totaled in the fire. USAA cut the check in a week (it too looked like it had been through a crusher after an acid bath...I got to hear it blow up, it's windows blown out, it's tire's melted, all while the firefighters fought and lost the outbuilding fire though they stopped it spreading to the house). USAA even helped fight the other pseudo-military-friendly insurer to get possession of the truck (USAA hauled it away and I guess recycled what was left).
Needless to say I switched my father's insurance company for the house etc back to USAA from Armed Forces Insurance (a company from hell). How Dad & Mom got AFI I'll never know but it's a sign of my father's illness (dementia) that they were signed up with AFI.
For insurance I don't know if you have total replacement coverage or depreciated coverage, but if you have the former get ready to fight. The way the insurance company my father was covered by (Armed Forces Insurance on the building) paid out was to cut a check for depreciated goods (based on how old they were) then force you to front the extra money for new goods, then submit receipts to get the difference to equal 'total replacement value'.
Having learned this, I now know that I ought to either keep savings on hand (ha! Not happening with a person who is terminal and has ever mounting health care expenses.) or an unused credit card or line of credit to deal with that money I'd be out (temporarily if I have total replacement coverage, permanently if not).
If you are the grandparent or parent or child or grandchild of someone in the military (could be active duty or reserve but also could be a veteran) you should look into future insurance coverage with USAA.com
They are great to deal with, they covered my father's pickup truck that was totaled in the fire. USAA cut the check in a week (it too looked like it had been through a crusher after an acid bath...I got to hear it blow up, it's windows blown out, it's tire's melted, all while the firefighters fought and lost the outbuilding fire though they stopped it spreading to the house). USAA even helped fight the other pseudo-military-friendly insurer to get possession of the truck (USAA hauled it away and I guess recycled what was left).
Needless to say I switched my father's insurance company for the house etc back to USAA from Armed Forces Insurance (a company from hell). How Dad & Mom got AFI I'll never know but it's a sign of my father's illness (dementia) that they were signed up with AFI.